Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HarmoneyASX:HMY -5.16%32 EV-to-EBITDA is 13.94 as of Aug. 01, 2026, which is 15% below its 10-year median of 16.45. GuruFocus rates ASX:HMY with a GF Score™ of 32/100 and a GF Value™ of A$0.58 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 327 Credit Services companies, Harmoney ranks better than 61.77% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Harmoney's enterprise value is A$881.8 Mil.
Harmoney's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$63.3 Mil. Therefore, Harmoney's EV-to-EBITDA for today is 13.94.
The historical rank and industry rank for Harmoney's EV-to-EBITDA or its related term are showing as below:
ASX:HMY'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.62 Med: 16.45 Max: 993.86
Current: 13.93
During the past 5 years, the highest EV-to-EBITDA of Harmoney was 993.86. The lowest was -23.62. And the median was 16.45.
ASX:HMY's EV-to-EBITDA is ranked better than 61.77% of 327
companies
in the Credit Services industry
Industry Median: 21.49
vs ASX:HMY: 13.93
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Harmoney's share price for today is A$0.735.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.094.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Harmoney's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Harmoney's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Harmoney EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Harmoney's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Harmoney's EV-to-EBITDA falls into.
Harmoney's current Enterprise Value is A$881.8 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was A$63.3 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Harmoney (ASX:HMY) has a EV-to-EBITDA of 13.94 as of Aug. 01, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Harmoney. This is 15% below median its historical median of 16.45. According to the industry distribution chart, Harmoney ranks #125 out of 327 companies in the Credit Services industry, placing it in the top 38.2%.
Is Harmoney's EV-to-EBITDA too high?
Harmoney's current EV-to-EBITDA of 13.94 is 15% below median its 10-year median of 16.45. The Credit Services industry median EV-to-EBITDA is 21.49. Harmoney's value of 13.94 is 35.1% below this industry median. Based on the distribution chart, Harmoney ranks #125 out of 327 companies in the Credit Services industry, which is above the industry midpoint. Overall, Harmoney has a GF Score™ of 32/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harmoney's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #125 out of 327 companies for EV-to-EBITDA. This puts Harmoney in the upper half of its industry. The industry median EV-to-EBITDA is 21.49. Harmoney's value of 13.94 is 35.1% below this benchmark. While the company's 10-year median is 16.45 vs. the industry median of 21.49, Harmoney has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.49, based on 327 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harmoney's current EV-to-EBITDA of 13.94 is 35.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Harmoney. For the Credit Services industry, the median EV-to-EBITDA is 21.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current EV-to-EBITDA is 13.94, which is 15% below median its own 10-year median of 16.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harmoney stock overvalued right now?
Based on GuruFocus' analysis, Harmoney (ASX:HMY) is currently considered Modestly Overvalued. The stock's GF Value™ is A$0.58, compared to a current price of A$0.74 — trading 26.7% above its estimated fair value. The current EV-to-EBITDA is 13.94, which is 15% below median its 10-year median of 16.45 and 35.1% below the Credit Services industry median of 21.49. Harmoney's overall GF Score™ is 32/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Harmoney (ASX:HMY), the current EV-to-EBITDA is 13.94 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Harmoney (ASX:HMY) Overvalued in 2026?
Based on GuruFocus' analysis, Harmoney stock appears to be overvalued.
The current stock price of A$0.74 is trading 26.7% above its estimated GF Value™ of A$0.58.
GuruFocus considers Harmoney to be Modestly Overvalued.
Key valuation signals for ASX:HMY:
EV-to-EBITDA: 13.94 (15% below median its 10-year median of 16.45)
GF Value™: A$0.58 vs. price of A$0.74 (26.7% above fair value)
Industry Position: 35.1% below the Credit Services median (#125 of 327)
No single metric tells the full story. See the ASX:HMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harmoney Corp Ltd operates in the consumer credit industry. It provides customers with secured and unsecured personal loans that are easy to access, competitively priced using risk-adjusted interest rates, and accessed completely online. Geographically, the group generates maximum revenue from its business in Australia, and the rest from New Zealand.
32GF Score
Get the complete analysis for ASX:HMY
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:HMY has been successfully added to your 
